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Bitpanda Card vs Nexo Card

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-08-24
Bitpanda Card4.1

Bitpanda Card is a Visa debit card for euro area residents that pays a flat 1% cashback in whichever crypto asset funded the purchase, with no VIP tier or staking requirement.

Nexo Card3.3

Nexo Card is a dual debit/credit Mastercard for European Economic Area residents that pays up to 2% crypto cashback in Credit Mode without needing to sell your crypto.

Verdict: Bitpanda Card

Bitpanda Card rates higher on our rubric: 4.1 against 3.3 for Nexo Card.

Criterion
Editorial rating
Bitpanda Card
4.1
Nexo Card
3.3

Bitpanda Card and Nexo Card, fact by fact

Every row is from the two reviews as of their review dates, with sources on each. A check marks the side a decidable criterion favours; rows without one are information, not a score.

Bitpanda Card and Nexo Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactBitpanda CardNexo Card
Editorial rating4.1 (favoured on this row)3.3
IssuerBitpanda GmbH (Austrian FMA-licensed); Visa issued via Transact Payments Malta LimitedNexo
CashbackFlat 1% cashback in the same crypto asset used for each purchase, available to all cardholders since April 2025 with no token-holding or staking tier required.Up to 2% crypto cashback (in NEXO Tokens) or 0.5% in Bitcoin when spending in Credit Mode, tiered by Loyalty Program status which requires a $5,000+ digital asset balance.
Top reward tier1% cashback, paid in the crypto asset used for the purchase (Standard (all cardholders))2% in NEXO Tokens or 0.5% in BTC (Platinum)
Reward tiers14
FeesFree first card issuance, no monthly or annual fee, 0% Bitpanda-side FX markup on top of the standard Visa network rate, and roughly €2 per ATM withdrawal.No monthly, annual, or inactivity fee; free ATM withdrawals scale with Loyalty Tier from €200 to €2,000/month, and foreign transaction fees range from 0.2% (EEA/UK/CH weekday) to 2.5% (rest of world weekend).
Countries issued in1930
Countries both are issued in1919
Last reviewed2026-08-242026-08-24

Pros and cons, side by side

Bitpanda Card

What works

  • Flat 1% cashback available to every cardholder with no token-holding or staking tier required
  • No monthly or annual maintenance fee, and the first card is free to order
  • Cashback is paid instantly in the same asset used for the purchase
  • 0% Bitpanda-side foreign exchange markup beyond the standard Visa network rate

What to watch

  • Cashback excludes euro, stablecoin, precious-metal, and stock-funded purchases, only crypto-funded spending qualifies
  • Restricted to euro-area residents, so a verified Bitpanda account outside the eurozone does not qualify
  • Sources disagree on the exact ATM fee, ranging from a flat €2 to a 2%-or-€2-whichever-is-higher structure
  • Cashback rate dropped from a previous VIP-tiered maximum of 2% to a flat 1% for all users

Nexo Card

What works

  • Credit Mode lets you spend without selling your crypto, retaining upside exposure
  • No monthly, annual, or inactivity card fee
  • Unspent balance earns daily-compounding interest up to roughly 13% per year
  • Free ATM allowance scales meaningfully with Loyalty Tier, up to €2,000/month at Platinum

What to watch

  • Cashback only applies in Credit Mode, not when spending directly from crypto in Debit Mode
  • Requires a $5,000+ digital asset balance just to join the Loyalty Program and start earning cashback
  • Foreign transaction fees outside the EEA/UK/Switzerland run 2-2.5%, notably higher than the 0.2-0.7% domestic-region rate
  • A physical card requires at least Gold Loyalty Tier status, a higher bar than the virtual card's $50 minimum

Frequently asked questions

Is Bitpanda Card or Nexo Card better?

Bitpanda Card rates higher on our rubric: 4.1 against 3.3 for Nexo Card. The rating follows the product rubric on our about page; the rows above set rewards, fees and availability side by side.

Which pays more cashback, Bitpanda Card or Nexo Card?

Bitpanda Card: Flat 1% cashback in the same crypto asset used for each purchase, available to all cardholders since April 2025 with no token-holding or staking tier required.. Nexo Card: Up to 2% crypto cashback (in NEXO Tokens) or 0.5% in Bitcoin when spending in Credit Mode, tiered by Loyalty Program status which requires a $5,000+ digital asset balance.. Headline rates on crypto cards are usually gated by a staked or locked balance, and each review sets out the tiers.

Where can I get both Bitpanda Card and Nexo Card?

Both are issued in 19 countries, including Austria, Belgium, Croatia, Estonia, Finland, on each issuer's own eligibility page. Bitpanda Card is issued in 19 countries we track and Nexo Card in 30.

The full reviews: Bitpanda Card and Nexo Card, each with its sources, and every crypto card we review.

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